The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$55,194
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,911
−HK$1,744/mo
Today · 4.125%
HK$58,655
baseline
▲ 0.50% · 4.625%
HK$62,224
+HK$3,569/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$117,310/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,403
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,050
−HK$1,670/mo
Today · 4.125%
HK$64,720
baseline
▲ 0.50% · 4.625%
HK$68,132
+HK$3,412/mo
Deposit HK$12.10M · loan HK$12.10M · min. income ≈ HK$129,440/mo (50% DSR)
Upfront cash ≈ HK$13.13M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,233
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,293
−HK$2,093/mo
Today · 4.125%
HK$70,386
baseline
▲ 0.50% · 4.625%
HK$74,669
+HK$4,283/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$140,772/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,684
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,660
−HK$2,004/mo
Today · 4.125%
HK$77,664
baseline
▲ 0.50% · 4.625%
HK$81,758
+HK$4,094/mo
Deposit HK$9.68M · loan HK$14.52M · min. income ≈ HK$155,328/mo (50% DSR)
Upfront cash ≈ HK$10.71M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,272
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$79,675
−HK$2,442/mo
Today · 4.125%
HK$82,117
baseline
▲ 0.50% · 4.625%
HK$87,114
+HK$4,997/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$164,234/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,964
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$88,270
−HK$2,339/mo
Today · 4.125%
HK$90,609
baseline
▲ 0.50% · 4.625%
HK$95,385
+HK$4,776/mo
Deposit HK$7.26M · loan HK$16.94M · min. income ≈ HK$181,218/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,350
−HK$6,230/mo
▼ 0.25% · 3.875%
HK$102,440
−HK$3,140/mo
Today · 4.125%
HK$105,580
baseline
▲ 0.50% · 4.625%
HK$112,004
+HK$6,424/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$211,160/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,525
−HK$5,972/mo
▼ 0.25% · 3.875%
HK$113,490
−HK$3,007/mo
Today · 4.125%
HK$116,497
baseline
▲ 0.50% · 4.625%
HK$122,637
+HK$6,140/mo
Deposit HK$2.42M · loan HK$21.78M · min. income ≈ HK$232,994/mo (50% DSR)
Upfront cash ≈ HK$3.45M (deposit + AVD stamp duty HK$1,028,724 · Scale 2, in force from 26 Feb 2026)